SapSavvy: what changed
Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.
SapSavvy
Largest movements
- Cash +€60,549
up €60,549 (+83.4%), from €72,636 to €133,185
mainly Other debts (+€100,193) and Net result for the year (+€63,755)
- Receivables within one year -€35,339
down €35,339 (-71.9%), from €49,164 to €13,826
of which Trade receivables: -€34,991
- Tangible fixed assets +€9,540
up €9,540 (+21.8%), from €43,755 to €53,295
- Deferred charges and accrued income -€4,118
down €4,118 (-62.3%), from €6,611 to €2,493
- Other debts +€100,193
up €100,193 (+142.7%), from €70,210 to €170,403
- Profit (loss) carried forward -€72,455
down €72,455 (-100.0%), from €72,455 to €0
- Tax, wage and social debts +€2,886
up €2,886 (+29.9%), from €9,656 to €12,543
- Depreciation +€4,577
up €4,577 (+34.5%), from €13,256 to €17,833
- Gross operating margin +€2,981
up €2,981 (+2.9%), from €103,885 to €106,867
- Financial income -€1,157
down €1,157 (-100.0%), from €1,157 to €0
From the 2024 result to the 2025 result
Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.
Cash bridge derived
Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €172,167 | €202,799 | +€30,632 | +17.8% |
| Fixed assets | 21/28 | €43,755 | €53,295 | +€9,540 | +21.8% |
| Tangible fixed assets | 22/27 | €43,755 | €53,295 | +€9,540 | +21.8% |
| Furniture and vehicles | 24 | €43,755 | €53,295 | +€9,540 | +21.8% |
| Current assets | 29/58 | €128,412 | €149,504 | +€21,092 | +16.4% |
| Amounts receivable after more than one year | 29 | €0 | - | = | |
| Other amounts receivable | 291 | €0 | - | = | |
| Amounts receivable within one year | 40/41 | €49,164 | €13,826 | -€35,339 | -71.9% |
| Trade receivables | 40 | €48,809 | €13,818 | -€34,991 | -71.7% |
| Other amounts receivable | 41 | €356 | €8 | -€348 | -97.9% |
| Cash at bank and in hand | 54/58 | €72,636 | €133,185 | +€60,549 | +83.4% |
| Deferred charges and accrued income | 490/1 | €6,611 | €2,493 | -€4,118 | -62.3% |
| Total equity and liabilities | 10/49 | €172,167 | €202,799 | +€30,632 | +17.8% |
| Equity | 10/15 | €91,005 | €18,550 | -€72,455 | -79.6% |
| Contributions | 10/11 | €18,550 | €18,550 | = | 0.0% |
| Reserves | 13 | €0 | - | = | |
| Distributable reserves | 133 | €0 | - | = | |
| Profit (loss) carried forward | 14 | €72,455 | €0 | -€72,455 | -100.0% |
| Amounts payable | 17/49 | €81,162 | €184,249 | +€103,087 | +127.0% |
| Amounts payable within one year | 42/48 | €80,987 | €184,249 | +€103,262 | +127.5% |
| Trade debts | 44 | €1,120 | €1,303 | +€183 | +16.4% |
| Suppliers | 440/4 | €1,120 | €1,303 | +€183 | +16.4% |
| Taxes, remuneration and social security | 45 | €9,656 | €12,543 | +€2,886 | +29.9% |
| Taxes | 450/3 | €9,656 | €12,543 | +€2,886 | +29.9% |
| Other amounts payable | 47/48 | €70,210 | €170,403 | +€100,193 | +142.7% |
| Accrued charges and deferred income | 492/3 | €176 | €0 | -€176 | -100.0% |
| Non-recurring operating income | 76A | €0 | - | = | |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets | 630 | €13,256 | €17,833 | +€4,577 | +34.5% |
| Other operating charges | 640/8 | €445 | €1,236 | +€791 | +177.8% |
| Non-recurring operating charges | 66A | - | €6,137 | +€6,137 | |
| Gross operating margin | 9900 | €103,885 | €106,867 | +€2,981 | +2.9% |
| Operating profit (loss) | 9901 | €90,184 | €81,661 | -€8,524 | -9.5% |
| Financial income | 75/76B | €1,157 | €0 | -€1,157 | -100.0% |
| Recurring financial income | 75 | €1,157 | €0 | -€1,157 | -100.0% |
| Financial charges | 65/66B | €207 | €125 | -€83 | -39.9% |
| Recurring financial charges | 65 | €128 | €125 | -€4 | -2.8% |
| Non-recurring financial charges | 66B | €79 | €0 | -€79 | -100.0% |
| Profit (loss) for the period before taxes | 9903 | €91,133 | €81,536 | -€9,597 | -10.5% |
| Income taxes | 67/77 | €18,679 | €17,781 | -€898 | -4.8% |
| Profit (loss) for the period | 9904 | €72,455 | €63,755 | -€8,700 | -12.0% |
| Profit (loss) for the period to be appropriated | 9905 | €72,455 | €63,755 | -€8,700 | -12.0% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 30 September 2026 via checked.be.